SOC 15-2011

Actuary Salary in San Diego-Chula Vista-Carlsbad, CA (2026)

Data updated · Sources: BLS OEWS May 2025, HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Tax Tables: 2026 Fed + CA
COL Index: 168.61 (+68.6% vs US)
Net Compensation Yield 67.9% Realized
$73,236 / net annual direct deposit
Gross Adjusted $107,890 $51.87/hr
Effective Tax Drag 26.12% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$28,180 $1,083.86/check
Category 1 of 6

Wage Benchmarking & After-Tax Paycheck Engine

Dynamic statutory tax calculations based on IRS Publication 15-T and state statutory schedules.

$
2,080 annual statutory base hours $51.87 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$6,473/yr)
0% Tax Shield: ~$1,424/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$13,482
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$6,689
Medicare Hospital Insurance
Statutory 1.45%
-$1,564
California Individual Income Tax
State Marginal Bracket
-$5,043
State Disability Insurance (SDI)
Statutory Payroll Assessment
-$1,403
Net Take-Home Annual Realized
$73,236 ($2,816.78 / check)
Category 2 of 6

San Diego-Chula Vista-Carlsbad, CA Actuary Wage Distribution

Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) Percentiles & Career Ladders

Your Salary: $107,890
MIDDLE 50% (IQR RANGE) 10th $82.4k 25th $93.1k Median: $107,890 50th (Median) $108k 75th $177k 90th $210k You: $107,890
10th (Entry) $82,430 $39.63/hr
25th (Junior) $93,090 $44.75/hr
50th (Median) $107,890 $51.87/hr
75th (Senior) $176,650 $84.93/hr
90th (Lead/Master) $210,000 $100.96/hr
Career Progression & Licensing Milestones for Actuary in San Diego-Chula Vista-Carlsbad, CA
1
Actuarial Student / AnalystPassing SOA/CAS preliminary exams (P, FM), statistical modeling, Excel/R
$63,074$30.32/hr · 0-2 Years
2
Associate of Society of Actuaries (ASA)Pricing models, reserving analysis, actuarial valuation tables
$96,271$46.28/hr · 2-5 Years
3
Fellow of Society of Actuaries (FSA)Product development, statutory asset-liability management (ALM)
$131,128$63.04/hr · 5-8 Years
4
Chief Actuary / Risk OfficerInstitutional solvency governance, reinsurance negotiation, pricing oversight
$178,433$85.79/hr · 8+ Years
Scaled to the San Diego-Chula Vista-Carlsbad, CA medianView National Actuary Salary Data
Adjacent Career Pivots & National Pay Differences
Economists-$5,280/yr
National median: $124,720
Skill overlap: 94%
Accountants and Auditors-$46,320/yr
National median: $83,680
Skill overlap: 93%View Salary
Personal Financial Advisors-$24,930/yr
National median: $105,070
Skill overlap: 89%
Compensation, Benefits, and Job Analysis Specialists-$51,790/yr
National median: $78,210
Skill overlap: 88%
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

Evaluating housing affordability vs. net take-home pay in San Diego-Chula Vista-Carlsbad, CA under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
38% of Net Income
⚠️ Cost-Burdened (Exceeds 30% Rule)
HUD Fair Market Rent (1-Bedroom) $2,335/month Requires minimum annual gross of $93,400
HUD Fair Market Rent (2-Bedroom) $2,823/month Requires minimum annual gross of $112,920
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $37.29/hr
Per adult, 2 working adults + 1 child: $31.87/hr
Category 4 of 6

Hourly Wage to Annual & Overtime Matrix

Translating base hourly pay and 1.5× overtime into net take-home pay based on 2,080 annual work hours in San Diego-Chula Vista-Carlsbad, CA.

Swipe horizontally to inspect full pay schedule
Schedule Total Hours/Wk Gross Annual Est. Taxes Net Take-Home Bi-Weekly Check
Standard (40 hrs)40 hrs$107,890-$28,180$73,236$2,816.78
+5h Overtime/Wk45 hrs$128,119-$35,943$84,489$3,249.59
+10h Overtime/Wk50 hrs$148,349-$44,058$95,390$3,668.83
+15h Overtime/Wk55 hrs$168,578-$52,201$106,263$4,087.02
+20h Overtime/Wk60 hrs$188,808-$60,077$117,402$4,515.48
Category 5 of 6

Interstate MSA Relocation & State Tax Migration Comparator

Calculate required compensation, cost-of-living differences, and annual state/local tax savings between two metropolitan areas.

Equivalent Salary in Austin, TX $83,505 Cost of Living Ratio: 69.6%
Annual State & Local Tax Delta +$8,331/yr Tax savings in Austin-Round Rock-San Marcos, TX
Annual Rent Difference (1BR) -$17,676/yr Based on HUD Fair Market Rents
Net Discretionary Cash Flow Impact

Combining state tax savings and annual rent variance when relocating from San Francisco-Oakland-Fremont, CA to Austin-Round Rock-San Marcos, TX.

+$26,007/year
Category 6 of 6 · Executive Economic Briefing
2026 Fiscal Intelligence

Actuary in San Diego-Chula Vista-Carlsbad, CA: Compensation & Purchasing Power Briefing (2026)

Estimates compiled from BLS OEWS wages, IRS 2026 withholding rules, HUD Fair Market Rents, and California tax codes.

Market Baseline
$107,890/yr
$51.87/hr · SOC 15-2011
Statutory Tax Drag
26.12% Effective
-$28,180 in Total Taxes
HUD 1BR Shelter Ratio
38% Net Pay
⚠️ Exceeds 30% HUD Rule
Monthly Discretionary
+$3,768/mo
Post-$2,335/mo 1BR Rent

Key Economic & Compensation Takeaways

Statutory Withholding Architecture

Frequently Asked Questions

Verified Government Data Sources & Statutory Attribution

Wages sourced from US Bureau of Labor Statistics (BLS OEWS). Rents calibrated to HUD Fair Market Rents. Tax schedules calibrated to IRS IRC Title 26, IRS Pub 15-T, and state statutory revenue codes.

BLS OEWS May 2025 HUD FY2027 FMR IRS 15-T
Metro Pay Comparison SOC 15-2011
2026 Statutory Thresholds
  • Federal Standard Deduction (Single) $16,100
  • FICA OASDI Wage Base Cap $184,500
  • Pre-Tax 401(k) Elective Deferral $24,500
  • HSA Individual Annual Limit $4,400

Actuary in San Diego-Chula Vista-Carlsbad, CA: Market Snapshot

Actuary roles in San Diego-Chula Vista-Carlsbad, CA report a median annual wage of $107,890, 17.0% below the national median of $130,000. The 10th to 90th percentile band runs from $82,430 to $210,000, and HUD’s $2,335 monthly one-bedroom fair market rent equals 26.0% of that median gross pay. The single-adult living wage benchmark for the area is $37.29 per hour.

Highest-paying metropolitan areas for Actuary

Metropolitan areaMedian annual wageVs this market
Bridgeport-Stamford-Danbury, CT$194,130+79.9%
San Francisco-Oakland-Fremont, CA$175,330+62.5%
Hartford-West Hartford-East Hartford, CT$166,800+54.6%
Las Vegas-Henderson-North Las Vegas, NV$163,350+51.4%
New York-Newark-Jersey City, NY-NJ$161,460+49.7%
Washington-Arlington-Alexandria, DC-VA-MD-WV$144,680+34.1%
Waterbury-Shelton, CT$143,430+32.9%
Raleigh-Cary, NC$142,180+31.8%
New Haven, CT$141,020+30.7%
Miami-Fort Lauderdale-West Palm Beach, FL$139,810+29.6%

Top-paying occupations benchmarked in San Diego-Chula Vista-Carlsbad, CA

OccupationMedian annual wageMedian hourly
Chief Executives$238,440$114.63/hr
Natural Sciences Managers$207,200$99.62/hr
Computer and Information Systems Managers$206,740$99.39/hr
Architectural and Engineering Managers$202,810$97.50/hr
Marketing Managers$174,840$84.06/hr
Financial Manager$174,210$83.75/hr
Physician Assistant$165,160$79.40/hr
Nurse Practitioner$163,860$78.78/hr
Software Engineer$163,270$78.50/hr
Education Administrators, Kindergarten through Secondary$163,200$78.46/hr

Wage data: U.S. Bureau of Labor Statistics OEWS May 2025, 72 metropolitan areas publishing this occupation; HUD FY2027 Fair Market Rents; EPI Family Budget Calculator. Taxes use 2026 federal and state rules. Data last updated .

Regional Labor Market & Career Mobility Network

Explore adjacent occupations and neighboring metropolitan wage benchmarks for peer compensation analysis.

Actuary Salary in San Diego-Chula Vista-Carlsbad, CA (2026) Overview

Actuary median pay in San Diego-Chula Vista-Carlsbad, CA is $107,890 a year ($51.87/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents. Official 2026 economic data for Actuary in San Diego-Chula Vista-Carlsbad, CA compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
What is the median salary for an Actuary in San Diego-Chula Vista-Carlsbad, CA?

The median annual wage is $107,890 ($51.87 per hour). The middle 80% of earners make between $82,430 and $210,000. Source: BLS OEWS (May 2025).

What is the take-home pay for an Actuary in San Diego-Chula Vista-Carlsbad, CA after taxes?

On the median wage of $107,890, a single filer with no pre-tax deductions takes home about $77,683 a year ($6,474 a month) after $30,207 in federal, FICA, state and local taxes, an effective rate of 28%, using 2026 tax rules.